> Do you have a viable alternative? Several come to mind off the top of my head just from personal experience: - Debt - Medical expenses - Child care - The

> Do you have a viable alternative? Several come to mind off the top of my head just from personal experience: - Debt - Medical expenses - Child care - The cost of that single-occupancy dwelling Like yeah, obviously the outflows are the problem, but not all outflows are avoidable, and it's pretty presumptuous to jump to the conclusion that this is some problem that can be fixed by better spending habits. No amount of cutting out avocado toast or whatever is going to make hospital bills go away.